Apply for Shopping Credit Cards

  • HDFC Bank
  • ICICI Bank
  • Citi
  • RBL
Reviews (12)

reward type


annual fee


joining fee


  • Redeem your Reward points against Snapdeal vouchers for Online Shopping
  • 10% CashBack on FreeCharge
  • 5% CashBack on Ola
  • Rs. 1000 Instant CashBack on Cleartrip
  • Fuel Surcharge Waiver capped at Rs. 250 every billing cycle (ST applicable)
  • Rs 1.5 L in 12 months for subsequent year fee waiver
  • APR - 40.8% p.a
  • Annual Fees - Rs. 500/-
  • Joining fees – Rs. 500/-
  • At least 2 photos
  • ID proof (any one) – Signature bearing national identity cards
  • Address proof (any one) – Ration card, Electricity bill
  • PAN card, Form 16 and the Income Tax Returns Statement

About Shopping Credit Card in India

Who doesn’t love shopping? There are those times when you go have to go window shopping just because your wallet doesn’t permit you to do more than that. The answer to your shopping problems —a credit card! Everyone needs help sometimes in the form of credit to buy something that their heart desires. It’s now possible with a little bit of help from your plastic friend. Welcome to the world of credit cards!

Banks and credit card firms have now come up with credit cards that especially cater to those with extravagant shopping needs! Increasing income levels of the average Indian, changing lifestyle habits and needs has spawned the culture of credit cards in India.

Nowadays, you have a wide variety of shopping cards to choose from, given the level of competition between credit card issuers. There are many advantages to owning a credit card today. It helps you with building a positive credit history provided you pay your bills on time, every month. It has the advantage of convenient payment options, and gives you access to a world of discounts and rewards amongst other things.

Why should I opt for a Shopping Credit Card?

Shopping Credit Cards are specialized credit cards that offer numerous features that rewards you every time you shop. It comes with a rewards or cashback program specially designed to reward the user with accelerated points every time he/she uses the credit card for shopping transactions like apparel shopping, grocery and supermarket spends. In effect, you are being rewarded for shopping. The credit card issuer pays you back in the form of points which can be redeemed at multiple outlets.

What are some Shopping Credit Card Features?

Rewards Points

Similar to any other credit card, Credit Cards intended for shopping purposes offer reward points. The reward points program differs according to the bank that issues it. It is based on the amount that you spend using your credit card. For example, with the Citibank Rewards Credit Card, you get 1 reward point on every Rs. 125 spent, and 10 X Reward Points on spends at apparel and department stores. You can redeem these points through their customer loyalty program and across 600 shopping outlets across the country. HDFC MoneyBack credit card gives you cashback advantages across all spending categories, i.e. 100 Reward Points = Rs 40. Power of shopping, unleashed!

The Solitaire Credit card from HDFC is especially designed for women and their shopping needs. Get gift vouchers worth 1000 every 6 months from Shoppers Stop upon crossing a certain spending limit.

Swiping your RBL Bank Platinum Delight Credit Card for your shopping needs earns you 2 Reward Points on every Rs. 100 spent, which you can later redeem for exciting gifts.

The number of reward points per spend varies with each card issuer.

What are Shopping Credit Card Benefits?

A shopping credit card is packed with benefits in the form of shopping discounts, accelerated rewards points on certain spends, cashback features and specialized insurance cover. In order to avail of some of the specific benefits, you need to use the card within first 30 days of credit card activation and spend a pre-fixed amount on your credit card.

How to Choose the Best Shopping Credit Card

When you look for a credit card for shopping needs, you must look at the following criteria:

  • Your Spending pattern: Carefully examine your spending habits and decide what you would like to use your credit card for. If you are an online shopaholic, then choose one which has benefits like an accelerated reward points feature for online spends.
  • Your income: Do you really need a credit card? Can you take care of shopping spends on your monthly income? Carefully consider your monthly net income and decide whether you can afford to have a credit card which could considerably increase your expense and might possibly put you in debt. Choose wisely.
  • Your credit card payment pattern: Easily one of the most important criteria in this list. You should carefully consider your repayment behaviour and make a plan for re payment if needed. It is absolutely vital to pay off your credit card dues on time, every month before the due date, to avoid penalty charges and accumulating interest. Ideally, look for a credit card that offers certain shopping perks but which also offers the best interest rate. Do not go for a credit card that offers numerous rewards for shopping but also has a high interest rate. Whatever rewards you get for spending on your card will be wiped out entirely by the high interest rate you pay on your outstanding.
  • Fees and charges: Before applying for a shopping credit card, make sure about other kinds of fees and charges. Sometimes, a card may offer extremely attractive offers and benefits but the joining fees, annual fees, renewal fees, and other charges might be very high. This may potentially strip you off the rewards that you earn on your spending.

Shopping Credit Card Review

The features and benefits of a Shopping Credit Card are designed to award various perks for the frequent shopper. Those looking to enhance their shopping experience can opt for a Shopping Credit Card.

The offers along with the attractive rebates that a Shopping Credit Card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.

How do I apply for a Shopping Credit Card?

To apply for a Shopping Credit Card, you can either walk into your chosen lender’s nearest branch and submit the application along with the required documentation, or you can apply online. You can also call their customer care for help with the application process. Typically, it takes up to 21 days for your credit card application to be processed.

I need some help!

There are a wide range of cards available in the market today and it can be daunting to decide which one is the best for you. If you think you need help with your credit card application and advice on eligibility, CreditMantri can guide you through the entire process and match you with the credit card that suits your needs the best.

Note: The cards mentioned in the article are merely indicative of the kinds of rewards and benefits on offer, and you will need to choose your card based on your specific requirements.

Customer Reviews

"No more wasting time at the bank Going to a bank has always been a tedious process—waiting in line, having many unanswered questions, and always being rushed for time. For a person like me, a website like is a boon because you don’t need to waste time going to a bank at all. The application process for a card is quick and simple. Within the promised time, I got my HDFC Diners Club Platinum credit card. Good customer service, I would like to add. They were very patient with my queries and handled everything professionally. This website is useful in the sense that we get the product we are eligible for in a short span of time. All the best, Creditmantri. "

"Best Service provider I would suggest CreditMantri to anyone wholeheartedly. Their service is great. Their matching process is every simple. You just need to create your profile and all the credit cards that match your profile would be displayed. They provide excellent services online and offline as well. I had some questions regarding my credit card documentation, and every doubt and question was answered. I am happy to say I am the proud owner of a HDFC Club Rewards credit card, thanks to CreditMantri. "

"CreditMantri - The Website has it all Extremely simple and easy to access info on various finance products. I found Creditmantri through a Google search for HDFC credit cards and was curious to know what kind of service they provide. Decided to sign up and I don’t regret it one bit. For one thing, it is free. Easy to choose the credit card once you have created your profile. I got a confirmation call from their customer service regarding the card I wanted – HDFC Money Back credit card. The documentation process itself is hassle free (a bank representative comes to collect your papers – yes, their claims are true!) and you don’t need to go the bank at all. Overall, a great experience with CreditMantri. "

"Easy Process It was very easy to apply for my credit card thanks to CreditMantri and team. I easily got my HDFC Visa Regalia credit card and the customer service person involved resolved all my queries satisfactorily. I found this a huge help considering I have never taken a credit card before. Only bit of feedback I can give is keep involving the customers more. That’s it! The range of products listed in the website is very helpful to make a comparison. Very happy!"

"Hi, first of all, I would like to say that I am a big time believer of doing things myself. But after I found that my application request for a credit card was getting rejected everywhere, I decided to apply through CreditMantri. (Incidentally, my sister recommended it and I was against availing its service at first.) I do not regret signing up with CreditMantri a bit - It turned to be the best financial decision I have ever made. I got to know that the reason why I was being rejected - due to my low credit score and making too many applications. I immediately signed up for their credit improvement services for and for help with getting a card. A couple of months later, I am proudly flaunting my ICICI Coral credit card! Great service."

"Great financial service provider! Their services are great and it takes only a minute to sign up! I wanted a credit card specially for my fuel transactions. I made my profile and within minutes I was matched up with ICICI HPCL credit card. The documentation process is fairly easy. A representative from the bank met me during my office hours and collected my documents and told me to wait for a week. I got the card within that time! The best part is the fuel surcharge is waived off with this credit card! Thanks to the CreditMantri team for making this happen. Heartily recommend it to anyone."

"Quick Response to queries! When in doubt, turn to CreditMantri! I am much delighted to use my ICICI Bank credit card, which I got through CreditMantri. I use this credit card to meet all my emergency needs. I am not stretching the truth when I say CreditMantri has the best-in-class services. I can say this confidently as I have applied through various other websites and found their customer service poor and their privacy policies substandard. But with CreditMantri, I must say that their privacy policy is excellent and I have not received any unwanted calls. Try CreditMantri if you want a quick response to your queries and want help with finding, applying and being approved for the right card."

"Swift Service! My application for a Citi rewards credit card got approved after approaching CreditMantri. It was my first time applying for a credit card. The CreditMantri executive explained the process and also the bank's norms for issue of Credit cards. I was advised in detail which I very much needed as I was still very new to credit cards and finance. I found that the service by CreditMantri to be swift and interactions with customer care executives to be cordial and helpful. Am very happy - all of my questions/doubts were addressed and clarified and I got my first card. Thank you for the services rendered."

"Thumbs up! I would describe acquiring my Citi Bank credit card process as excellent. My experience with CreditMantri was smooth, to say the least. Any query I raised gets resolved quickly, in a timely manner. Also, I am satisfied with my PremierMiles credit card and I am reaping its benefits. Very happy by the timely response, the help extended to me by the customer service team and the mature way of handling customers. Great experience."

"I approached CreditMantri for help with application for a Cashback credit card. After signing up FOR FREE (Yes, it’s really free, yay!). I felt the service rendered by team CreditMantri was awesome. I did not even need to go to the bank for giving my documents, they came to me! Brownie points! I got calls only from CreditMantri and Citi regarding my application. No calls from third-party people. This is one thing I am really happy about. Overall, I am happy with my Citi credit card, and it’s one of the best Cashback credit cards that I have (I own two other credit cards, more about it later perhaps!). Thanks, CreditMantri!"

"Happy with CreditMantri Where do I start? I don’t know whether I should talk about their easy website user interface, or about their customer service, or about their professional approach. The response which I received from CreditMantri was very helpful, and it was immediate. Talking about my IndianOil Citi credit card, well, for starters, it becomes your best friend if you own a Bullet ;) and love travelling. This is the best credit card I feel as it gives me fuel benefits. Love my bike and my fuel card. More purchase, more points, the better for me! Happy with CreditMantri. "

"Satisfied! I had been looking for a new credit card for quite a while but was confused by all the options. I chanced upon this website during my research, and I decided to sign up with CreditMantri for its services. Everything is done online, they match your profile with the best lender possible for your profile. I think it is a fantastic idea. I am very happy about the user interface, as I find it easy to understand. I received my RBL Bank Platinum Maxima Credit Card as promised! Hats off to CreditMantri as well as RBL. I got the credit card very easily and quickly (within 7 days). Overall, I am very satisfied and would recommend CreditMantri readily to anyone. "